/* === GLOBAL & VARIABLES === */
        * {
            margin: 0;
            padding: 0;
            box-sizing: border-box;
        }
        :root {
            --construction: #D97706;
            --construction-light: #FEF3C7;
            --construction-glow: rgba(217,119,6,0.15);
            --insurance: #0F4C81;
            --insurance-light: #E0F2FE;
            --insurance-glow: rgba(15,76,129,0.12);
            --dark: #1E293B;
            --gray: #64748B;
            --light-bg: #F8FAFC;
            --white: #FFFFFF;
            --shadow-sm: 0 10px 25px -5px rgba(0,0,0,0.05), 0 8px 10px -6px rgba(0,0,0,0.02);
            --shadow-md: 0 20px 25px -5px rgba(0,0,0,0.08), 0 8px 10px -6px rgba(0,0,0,0.02);
            --shadow-lg: 0 30px 40px -15px rgba(0,0,0,0.15);
            --radius: 24px;
            --radius-sm: 12px;
        }
        body {
            font-family: 'Inter', system-ui, -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
            background-color: var(--light-bg);
            color: var(--dark);
            line-height: 1.5;
        }
        .container {
            max-width: 1280px;
            margin: 0 auto;
            padding: 0 24px;
        }
        h1, h2, h3 { font-weight: 700; letter-spacing: -0.02em; }
        h2 { font-size: 2.5rem; margin-bottom: 16px; }
        .section-label {
            text-transform: uppercase;
            font-weight: 600;
            font-size: 0.85rem;
            letter-spacing: 0.05em;
            color: var(--gray);
            margin-bottom: 8px;
        }
        .btn {
            display: inline-block;
            padding: 12px 28px;
            border-radius: 40px;
            font-weight: 600;
            text-decoration: none;
            transition: all 0.2s ease;
            border: 2px solid transparent;
            cursor: pointer;
            font-size: 0.95rem;
        }
        .btn-primary {
            background-color: var(--insurance);
            color: white;
            box-shadow: 0 4px 12px rgba(15,76,129,0.25);
        }
        .btn-primary:hover { background-color: #0b3a60; transform: translateY(-2px); }
        .btn-construction {
            background-color: var(--construction);
            color: white;
            box-shadow: 0 4px 12px rgba(217,119,6,0.25);
        }
        .btn-construction:hover { background-color: #b85e05; transform: translateY(-2px); }
        .btn-white {
            background-color: white;
            color: var(--insurance);
            font-weight: 700;
        }
        .btn-white:hover { background-color: #f1f5f9; transform: translateY(-2px); }
        .btn-block {
            width: 100%;
            display: flex;
            justify-content: center;
            align-items: center;
            gap: 8px;
        }

        /* === HEADER === */
        header {
            background-color: var(--white);
            box-shadow: var(--shadow-sm);
            position: sticky;
            top: 0;
            z-index: 100;
            padding: 16px 0;
        }
        .header-inner {
            display: flex;
            justify-content: space-between;
            align-items: center;
        }
        .logo img { max-height: 48px; width: auto; }
        nav ul {
            display: flex;
            list-style: none;
            gap: 32px;
            align-items: center;
        }
        nav a {
            text-decoration: none;
            color: var(--dark);
            font-weight: 500;
            transition: color 0.2s;
        }
        nav a:hover { color: var(--insurance); }
        .nav-cta {
            background-color: var(--dark);
            color: white !important;
            padding: 8px 20px;
            border-radius: 40px;
        }
        .nav-cta:hover { background-color: var(--insurance) !important; }

        /* === HERO === */
        .hero {
            padding: 64px 0 80px;
            background: linear-gradient(145deg, #ffffff 0%, #f1f5f9 100%);
            position: relative;
            overflow: hidden;
        }
        .hero .container {
            display: flex;
            align-items: center;
            gap: 40px;
        }
        .hero-content { flex: 1; }
        .hero-image {
            flex: 1;
            border-radius: var(--radius);
            overflow: hidden;
            box-shadow: var(--shadow-md);
            min-height: 420px;
            background: #e2e8f0;
            display: flex;
            align-items: center;
            justify-content: center;
            position: relative;
        }
        .hero-image img {
            width: 100%;
            height: 100%;
            object-fit: cover;
            display: block;
            min-height: 420px;
        }
        .hero-image-overlay {
            position: absolute;
            bottom: 20px;
            left: 20px;
            right: 20px;
            background: rgba(255,255,255,0.95);
            backdrop-filter: blur(8px);
            padding: 16px 20px;
            border-radius: 16px;
            border-left: 5px solid var(--construction);
            box-shadow: var(--shadow-sm);
            font-size: 0.9rem;
            font-weight: 600;
            color: #92400e;
            display: flex;
            align-items: center;
            gap: 10px;
        }
        .hero-badge {
            display: inline-block;
            background-color: var(--insurance-light);
            color: var(--insurance);
            padding: 6px 18px;
            border-radius: 40px;
            font-weight: 600;
            font-size: 0.85rem;
            margin-bottom: 24px;
        }
        .hero h1 {
            font-size: 3.5rem;
            line-height: 1.15;
            margin-bottom: 24px;
            color: var(--dark);
        }
        .hero h1 .highlight-construction {
            color: var(--construction);
            padding-bottom: 2px;
        }
        .hero h1 .highlight-insurance {
            color: var(--insurance);
            border-bottom: 4px solid var(--insurance);
            padding-bottom: 2px;
        }
        .hero p {
            font-size: 1.25rem;
            color: var(--gray);
            margin-bottom: 36px;
            max-width: 600px;
        }
        .hero-actions {
            display: flex;
            flex-wrap: wrap;
            gap: 16px;
        }

        /* === GUARANTEE BANNER === */
        .guarantee-banner {
            background: linear-gradient(135deg, #92400e 0%, #b45309 100%);
            color: white;
            padding: 32px 0;
            margin: 40px 0 0;
            border-radius: var(--radius);
            box-shadow: var(--shadow-md);
            position: relative;
            overflow: hidden;
        }
        .guarantee-banner::before {
            content: "🏆";
            position: absolute;
            right: 20px;
            top: 50%;
            transform: translateY(-50%);
            font-size: 8rem;
            opacity: 0.08;
            pointer-events: none;
        }
        .guarantee-banner .container {
            display: flex;
            align-items: center;
            gap: 28px;
            flex-wrap: wrap;
            position: relative;
            z-index: 1;
        }
        .guarantee-icon {
            width: 80px;
            height: 80px;
            background: rgba(255,255,255,0.15);
            border-radius: 50%;
            display: flex;
            align-items: center;
            justify-content: center;
            font-size: 2.5rem;
            flex-shrink: 0;
            border: 2px solid rgba(255,255,255,0.3);
        }
        .guarantee-text h3 {
            font-size: 1.75rem;
            margin-bottom: 6px;
            color: #fef3c7;
        }
        .guarantee-text p {
            font-size: 1.05rem;
            color: rgba(255,255,255,0.9);
            max-width: 700px;
        }
        .guarantee-text strong {
            color: #fde68a;
            font-weight: 700;
        }

        /* === HORIZONTAL DIVISION CARD (Image Left, Text Right) === */
    .division-card.horizontal-card {
        display: flex;
        flex-direction: row;
        align-items: stretch;
        padding: 0;
        overflow: hidden;
        min-height: 480px;
        gap: 0;
    }

    /* Image side - left */
    .division-card-image-side {
        flex: 0 0 40%;
        max-width: 40%;
        position: relative;
        overflow: hidden;
        background: #e2e8f0;
    }

    .division-card-image-side img {
        width: 100%;
        height: 100%;
        object-fit: cover;
        display: block;
        min-height: 100%;
        transition: transform 0.4s ease;
    }

    .division-card.horizontal-card:hover .division-card-image-side img {
        transform: scale(1.03);
    }

    /* Text side - right */
    .division-card-text-side {
        flex: 1;
        padding: 40px;
        display: flex;
        flex-direction: column;
        justify-content: center;
    }

    /* Remove default card top border for horizontal card */
    .division-card.horizontal-card.insurance {
        border-top: none;
        border-left: 6px solid var(--insurance);
        background: linear-gradient(145deg, #ffffff, #f0f9ff);
    }

    /* Adjust icon margin in horizontal layout */
    .division-card.horizontal-card .division-icon {
        margin-bottom: 16px;
    }

    /* Responsive: Stack vertically on smaller screens */
    @media (max-width: 900px) {
        .division-card.horizontal-card {
            flex-direction: column;
            min-height: auto;
        }

        .division-card-image-side {
            flex: 0 0 220px;
            max-width: 100%;
            min-height: 220px;
        }

        .division-card-image-side img {
            min-height: 220px;
        }

        .division-card-text-side {
            padding: 32px 28px;
        }

        /* Restore top border on mobile stack */
        .division-card.horizontal-card.insurance {
            border-top: 6px solid var(--insurance);
            border-left: none;
        }
    }

    @media (max-width: 480px) {
        .division-card-image-side {
            flex: 0 0 180px;
            min-height: 180px;
        }

        .division-card-image-side img {
            min-height: 180px;
        }

        .division-card-text-side {
            padding: 24px 20px;
        }

        .division-card.horizontal-card h3 {
            font-size: 1.6rem;
        }
    }

        /* === DIVISION CARDS === */
        .divisions { padding: 64px 0; }
        .division-grid {
            grid-template-columns: 1fr 1fr;
            gap: 32px;
            margin-top: 48px;
        }
        .division-card {
            border-radius: var(--radius);
            padding: 40px;
            box-shadow: var(--shadow-md);
            transition: transform 0.25s ease, box-shadow 0.25s ease;
            display: flex;
            flex-direction: column;
            position: relative;
            overflow: hidden;
            min-height: 520px;
        }
        .division-card:hover {
            transform: translateY(-6px);
            box-shadow: var(--shadow-lg);
        }
        .division-card.construction {
            background: linear-gradient(145deg, #ffffff, #fff9f0);
            border-top: 6px solid var(--construction);
        }
        .division-card.insurance {
            background: linear-gradient(145deg, #ffffff, #f0f9ff);
            border-top: 6px solid var(--insurance);
        }
        .division-card-img {
            width: 100%;
            height: 180px;
            object-fit: cover;
            border-radius: 16px;
            margin-bottom: 24px;
            box-shadow: var(--shadow-sm);
        }
        .division-icon {
            width: 56px;
            height: 56px;
            border-radius: 14px;
            display: flex;
            align-items: center;
            justify-content: center;
            font-size: 1.5rem;
            margin-bottom: 16px;
        }
        .construction .division-icon {
            background-color: var(--construction-light);
            color: var(--construction);
        }
        .insurance .division-icon {
            background-color: var(--insurance-light);
            color: var(--insurance);
        }
        .division-card h3 { font-size: 2rem; margin-bottom: 12px; }
        .construction h3 { color: #92400e; }
        .insurance h3 { color: #0c3b5e; }
        .division-tagline {
            font-weight: 600;
            margin-bottom: 20px;
            font-size: 1rem;
        }
        .construction .division-tagline { color: var(--construction); }
        .insurance .division-tagline { color: var(--insurance); }
        .division-card p {
            color: #334155;
            margin-bottom: 24px;
            font-size: 1rem;
            flex-grow: 1;
        }
        .division-features {
            list-style: none;
            margin-bottom: 28px;
            display: flex;
            flex-direction: column;
            gap: 10px;
        }
        .division-features li {
            display: flex;
            align-items: center;
            gap: 10px;
            font-weight: 500;
            font-size: 0.95rem;
        }
        .construction .division-features i { color: var(--construction); }
        .insurance .division-features i { color: var(--insurance); }
        .division-link {
            text-decoration: none;
            font-weight: 600;
            display: inline-flex;
            align-items: center;
            gap: 8px;
            margin-top: auto;
            transition: gap 0.2s;
        }
        .construction .division-link { color: var(--construction); }
        .insurance .division-link { color: var(--insurance); }
        .division-link:hover { gap: 14px; }

        /* === STATS BAR === */
        .stats {
            background-color: var(--dark);
            color: white;
            padding: 48px 0;
            margin: 40px 0;
            border-radius: var(--radius);
        }
        .stats-grid {
            display: grid;
            grid-template-columns: repeat(4, 1fr);
            gap: 32px;
            text-align: center;
        }
        .stat-item h4 {
            font-size: 2.5rem;
            font-weight: 800;
            margin-bottom: 4px;
        }
        .stat-item p { color: #94a3b8; font-weight: 500; }
        .stat-item:first-child h4 { color: #fbbf24; }
        .stat-item:nth-child(2) h4 { color: #60a5fa; }

        /* === FEATURE GRIDS & CARDS === */
        .feature-grid {
            display: grid;
            grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
            gap: 24px;
            margin: 40px 0;
        }
        .feature-card {
            background: white;
            border-radius: var(--radius-sm);
            padding: 0 0 28px;
            box-shadow: var(--shadow-sm);
            transition: transform 0.2s, box-shadow 0.2s;
            border: 1px solid #e2e8f0;
            overflow: hidden;
            display: flex;
            flex-direction: column;
        }
        .feature-card:hover {
            transform: translateY(-4px);
            box-shadow: var(--shadow-md);
        }
        .feature-card-img {
            width: 100%;
            height: 160px;
            object-fit: cover;
            display: block;
            background: #e2e8f0;
        }
        .feature-card-body {
            padding: 24px 24px 0;
            flex: 1;
            display: flex;
            flex-direction: column;
        }
        .feature-card-body i {
            font-size: 1.6rem;
            margin-bottom: 12px;
        }
        .insurance-card .feature-card-body i { color: var(--insurance); }
        .construction-card .feature-card-body i { color: var(--construction); }
        .feature-card h3 {
            font-size: 1.2rem;
            margin-bottom: 8px;
            color: var(--dark);
        }
        .feature-card p {
            color: var(--gray);
            font-size: 0.92rem;
        }

        /* === BROKER CONNECTION HIGHLIGHT === */
        .broker-connection {
            background: linear-gradient(135deg, #0F4C81 0%, #1e3a5f 100%);
            border-radius: var(--radius);
            padding: 56px 48px;
            margin: 48px 0;
            color: white;
            display: flex;
            align-items: center;
            gap: 40px;
            flex-wrap: wrap;
            box-shadow: var(--shadow-md);
            position: relative;
            overflow: hidden;
        }
        .broker-connection::after {
            content: "🤝";
            position: absolute;
            right: 40px;
            bottom: 20px;
            font-size: 8rem;
            opacity: 0.06;
            pointer-events: none;
        }
        .broker-icon {
            width: 100px;
            height: 100px;
            background: rgba(255,255,255,0.1);
            border-radius: 50%;
            display: flex;
            align-items: center;
            justify-content: center;
            font-size: 3rem;
            flex-shrink: 0;
            border: 2px solid rgba(255,255,255,0.2);
        }
        .broker-text { flex: 1; min-width: 280px; }
        .broker-text h3 {
            font-size: 1.9rem;
            margin-bottom: 12px;
            color: #E0F2FE;
        }
        .broker-text p {
            font-size: 1.05rem;
            color: #cbd5e1;
            margin-bottom: 20px;
        }
        .broker-text .highlight {
            color: #60A5FA;
            font-weight: 700;
        }
        .broker-steps {
            display: flex;
            gap: 24px;
            flex-wrap: wrap;
            margin-top: 24px;
        }
        .broker-step {
            background: rgba(255,255,255,0.08);
            border: 1px solid rgba(255,255,255,0.15);
            padding: 14px 22px;
            border-radius: 40px;
            font-size: 0.9rem;
            font-weight: 500;
            display: flex;
            align-items: center;
            gap: 10px;
        }
        .broker-step i { color: #60A5FA; }

        /* === CONTACT SECTION === */
        .contact-section { padding: 64px 0 48px; }
        .contact-grid {
            display: grid;
            grid-template-columns: 1fr 1.5fr;
            gap: 40px;
            margin-top: 32px;
        }
        .contact-info h3, .contact-form h3 { font-size: 1.5rem; margin-bottom: 24px; }
        .contact-detail {
            display: flex;
            gap: 16px;
            margin-bottom: 24px;
            align-items: flex-start;
        }
        .contact-detail i {
            font-size: 1.2rem;
            color: var(--insurance);
            width: 24px;
            margin-top: 4px;
        }
        .contact-detail strong { display: block; font-weight: 600; margin-bottom: 4px; }
        .contact-detail span { color: var(--gray); font-size: 0.95rem; }
        .contact-form form {
            background: white;
            padding: 32px;
            border-radius: var(--radius-sm);
            box-shadow: var(--shadow-sm);
        }
        .form-row {
            display: grid;
            grid-template-columns: 1fr 1fr;
            gap: 20px;
            margin-bottom: 20px;
        }
        .form-group { margin-bottom: 16px; }
        .form-group label {
            display: block;
            font-weight: 500;
            margin-bottom: 6px;
            font-size: 0.9rem;
        }
        .form-group input,
        .form-group select,
        .form-group textarea {
            width: 100%;
            padding: 12px 16px;
            border: 1px solid #cbd5e1;
            border-radius: 12px;
            font-family: inherit;
            font-size: 0.95rem;
            transition: border 0.2s, box-shadow 0.2s;
        }
        .form-group input:focus,
        .form-group select:focus,
        .form-group textarea:focus {
            outline: none;
            border-color: var(--insurance);
            box-shadow: 0 0 0 3px rgba(15,76,129,0.1);
        }
        .form-group textarea { min-height: 120px; resize: vertical; }

        /* === CTA SECTION === */
        .cta-section { padding: 40px 0 80px; }
        .cta-box {
            background: linear-gradient(135deg, #0F4C81 0%, #1e3a5f 100%);
            border-radius: var(--radius);
            padding: 64px 48px;
            display: flex;
            align-items: center;
            justify-content: space-between;
            flex-wrap: wrap;
            gap: 32px;
            box-shadow: var(--shadow-md);
        }
        .cta-text h2 { color: white; font-size: 2.25rem; margin-bottom: 8px; }
        .cta-text p { color: #cbd5e1; font-size: 1.15rem; max-width: 500px; }
        .cta-actions { display: flex; gap: 16px; flex-wrap: wrap; }

        /* === FOOTER === */
        footer {
            background-color: #0b1c2e;
            color: #94a3b8;
            padding: 48px 0 24px;
        }
        .footer-grid {
            display: grid;
            grid-template-columns: 2fr 1fr 1fr 1fr;
            gap: 40px;
            margin-bottom: 48px;
        }
        .footer-brand p { margin: 16px 0 20px; max-width: 280px; font-size: 0.95rem; }
        .footer-social { display: flex; gap: 16px; }
        .footer-social a { color: #94a3b8; font-size: 1.2rem; transition: color 0.2s; }
        .footer-social a:hover { color: white; }
        .footer-col h5 { color: white; font-weight: 600; margin-bottom: 20px; font-size: 1rem; }
        .footer-col ul { list-style: none; }
        .footer-col li { margin-bottom: 12px; }
        .footer-col a { color: #94a3b8; text-decoration: none; transition: color 0.2s; }
        .footer-col a:hover { color: white; }
        .footer-bottom {
            border-top: 1px solid #1e2f45;
            padding-top: 24px;
            display: flex;
            justify-content: space-between;
            align-items: center;
            font-size: 0.9rem;
        }

        /* === WHATSAPP FLOAT === */
        .whatsapp-float {
            position: fixed;
            bottom: 28px;
            right: 28px;
            background-color: #25D366;
            width: 60px;
            height: 60px;
            border-radius: 50%;
            display: flex;
            align-items: center;
            justify-content: center;
            box-shadow: 0 8px 24px rgba(37,211,102,0.35);
            transition: all 0.2s ease;
            z-index: 200;
        }
        .whatsapp-float:hover { transform: scale(1.08); background-color: #20b859; }
        .whatsapp-icon { width: 30px; height: 30px; fill: white; }

        /* === RESPONSIVE === */
        @media (max-width: 1024px) {
            h2 { font-size: 2rem; }
            .hero h1 { font-size: 2.75rem; }
            .hero .container { flex-direction: column; }
            .hero-image { width: 100%; min-height: 320px; }
            .hero-image img { min-height: 320px; }
            .division-grid { grid-template-columns: 1fr; }
            .stats-grid { grid-template-columns: repeat(2, 1fr); }
            .footer-grid { grid-template-columns: 1fr 1fr; }
            .contact-grid { grid-template-columns: 1fr; }
        }
        @media (max-width: 768px) {
            .header-inner { flex-direction: column; gap: 16px; }
            nav ul { gap: 20px; flex-wrap: wrap; justify-content: center; }
            .hero h1 { font-size: 2.25rem; }
            .hero p { font-size: 1.1rem; }
            .cta-box { padding: 40px 28px; text-align: center; justify-content: center; }
            .cta-text p { margin: 0 auto; }
            .cta-actions { justify-content: center; }
            .footer-grid { grid-template-columns: 1fr; text-align: center; }
            .footer-brand p { margin-left: auto; margin-right: auto; }
            .footer-social { justify-content: center; }
            .footer-bottom { flex-direction: column; gap: 12px; text-align: center; }
            .form-row { grid-template-columns: 1fr; }
            .guarantee-banner .container { flex-direction: column; text-align: center; }
            .broker-connection { padding: 40px 28px; text-align: center; justify-content: center; }
            .broker-text h3 { font-size: 1.6rem; }
        }
        @media (max-width: 480px) {
            .stats-grid { grid-template-columns: 1fr; }
            .hero-actions { flex-direction: column; align-items: stretch; }
            .btn { text-align: center; }
        }

        section[id] { scroll-margin-top: 90px; }

        /* Utility */
        .guarantee-badge {
            display: inline-flex;
            align-items: center;
            gap: 8px;
            background: #ecfdf5;
            color: #065f46;
            padding: 6px 16px;
            border-radius: 40px;
            font-weight: 600;
            font-size: 0.85rem;
            border: 1px solid #a7f3d0;
        }
        .disclosure-badge {
            display: inline-flex;
            align-items: center;
            gap: 8px;
            background: #f1f5f9;
            color: #334155;
            padding: 6px 16px;
            border-radius: 40px;
            font-weight: 500;
            font-size: 0.8rem;
            border: 1px solid #cbd5e1;
        }
        .page-divider {
            width: 80px;
            height: 4px;
            background: var(--insurance);
            border-radius: 4px;
            margin: 16px 0 24px;
        }
        .construction-divider { background: var(--construction); }
        .lead {
            font-size: 1.15rem;
            color: var(--gray);
            max-width: 800px;
        }

        /* Construction guarantee detail card */
        .construction-guarantee-detail {
            background: linear-gradient(145deg, #fffbeb, #fef3c7);
            border: 2px solid #fbbf24;
            border-radius: var(--radius);
            padding: 40px;
            margin: 40px 0;
            box-shadow: var(--shadow-sm);
            position: relative;
            overflow: hidden;
        }
        .construction-guarantee-detail::before {
            content: "🏗️";
            position: absolute;
            right: 30px;
            top: 20px;
            font-size: 5rem;
            opacity: 0.1;
            pointer-events: none;
        }
        .construction-guarantee-detail h3 {
            font-size: 1.8rem;
            color: #92400e;
            margin-bottom: 16px;
            display: flex;
            align-items: center;
            gap: 12px;
        }
        .construction-guarantee-detail p {
            color: #4b5563;
            font-size: 1.05rem;
            margin-bottom: 20px;
            max-width: 900px;
        }
        .guarantee-points {
            display: grid;
            grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
            gap: 20px;
            margin-top: 24px;
        }
        .guarantee-point {
            background: rgba(255,255,255,0.7);
            padding: 20px;
            border-radius: 16px;
            border: 1px solid #fde68a;
            display: flex;
            align-items: flex-start;
            gap: 14px;
        }
        .guarantee-point i {
            color: #D97706;
            font-size: 1.4rem;
            margin-top: 2px;
        }
        .guarantee-point strong {
            display: block;
            color: #92400e;
            margin-bottom: 4px;
            font-size: 1rem;
        }
        .guarantee-point span {
            color: #4b5563;
            font-size: 0.9rem;
        }